Gita Devi sells vegetables in the market along with her husband and earns her living. She has applied for a microloan so that she can start her own vegetable and grocery shop near her home, as her children are very small. She wants to educate her children so that they become independent. Presently she earns Rs. 3,000 per month.
Ruma Devi (photo 2) sells fruits in the local market on a cart. She has applied for a microloan to rent space and purchase more seasonal fruits, in order to improve her life. Her children go to a local area school, she wants them to get higher education so that they can avail the necessities and luxury of life without any obstacles. Both of them are member of a Joint Liability Group at Dundibag.
In the group photo, Pratima Devi, sitting in 1st row from the right is the group leader. She organizes monthly meetings and ensures that repayments are on time. She has applied for a microloan for her grocery store which she runs with her husband. Behind her is Pramila Devi. She has applied for a microloan for her vegetable shop and lady sitting between Pramila Devi and Ruma Devi is Mujafun Nisha. She has applied for a microloan for her fruit shop.
All these entrepreneurs are very hard working, committed and dedicated to their work. They understand the concept of Joint Liability Group. In case any member is unable to repay the microloan, they will pay on the behalf of the member whose loan is delinquent.